guest: we were both eagle scouts. we have this from wild and wonderful. guest: yes. and many of the states have important consumer protection laws. they deal with the financial that some pay a claim day in the future and provide mechanisms for prompt and fair payment of claims. not every state does. laws.tates have weeak and so a company that is operating in one of the states with weak consumer protection into aelling insurance state like california is a real, serious consumer problem. i dealt with this for many years. they do not have the kind of financial wherewithal to pay a claim or a desire to do so. we are talking about consumer protection here. we are seeing a change taking place. seehe process, we will national companies selling products nationwide, and we are probably --definitely seeing that in those 34 states in which there is a national exchange. those policies will be similar tothat continues to remain be the responsibilities of the individual states. there is a time for adjustment but that is the fundamental reason. host: we have about five or 10 minute